Invest Ksh 100,000 in CPF MMF for 3 years.
At CPF Money Market Fund's current net yield of 6.73% (after Kenya's 15% withholding tax), a Ksh 100,000 deposit grows to about Ksh 122,370 after 3 years — about Ksh 22,370 in interest, assuming daily compounding and no withdrawals.
Final balance
Ksh 122,370
1.22× your deposit
Deposited
Ksh 100,000
One-off, no withdrawals
Interest earned
Ksh 22,370
At 6.73% net p.a.
Year by year
vs keeping it in a bank savings account
The same Ksh 100,000 at Credit Bank's deposit rate of 12.68% would grow to about Ksh 145,995 over the same 3 years — that's -Ksh 23,625 less than CPF Money Market Fund.